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Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today.Bad Credit Personal LoanA Bad Credit Personal Loan is a loan designed for the many people with a bad credit rating. However created, your past record of County Court Judgements, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal. If you are a home owner with equity in your property, a Bad Credit Personal Loan can bring that normality back to your life. Secured on your home, a Bad Credit Personal Loan can give you the freedom, for example, to do the home improvements or buy the new car you really wanted. With a Bad Credit Personal Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases.Bridging LoanA bridging loan as the name implies is a loan used to “bridge” the financial gap between monies required for your new property completion prior to your existing property having been sold. Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property.The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. A bridging loan can also be used to raise capital pending the sale of a property. Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months.A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high.Business Loan A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. Business loans are generally available from £50,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. They can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.They are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client. A business loan can be secured by all types of UK business property, commercial and residential properties.Car LoanThe main types of car loans available are Hire Purchase and Manufacturer’s schemes. Hire purchase car finance is arranged by car dealerships, and effectively means that you are hiring the car from the dealer until the final payment on the loan has been paid, when ownership of the vehicle is transferred to you.A Manufacturers’ scheme is a type of loan that is put together and advertised by the car manufacturer and can be arranged directly with them or through a local car dealership. You will not be the owner of the vehicle until you have repaid the loan in full, and the car will be repossessed if you default on repayments.Cash LoanCash Loans also known as Payday Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Cash Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a Cash Loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Debt Consolidation LoanDebt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one – giving you one easy to manage payment, and in most cases, at a lower rate of interest.Secured on your home debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment – one calculated to be well within your means. With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life.Home LoanA Home Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home loan.The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation.
With a Home Loan you can borrow from £5,000 to £75,000.Home Improvement LoanA Home Improvement Loan is a low interest loan secured on your property. With a Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan.A Home Improvement Loan can help you with a new kitchen, bathroom, extension, loft conversion, conservatory, landscaping your garden or new furniture. You can even use it on non-house expenditure like a new car or repaying credit card or other debts.Home Owner LoanA Home Owner Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home Owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home owner loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. With a Home Owner Loan you can borrow from £5,000 to £75,000.Payday LoanPayday Loans also known as Cash Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Payday Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Personal LoanThere are two categories of personal loans: secured personal loans and unsecured personal loans – See individual titles below. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan.Remortgage LoanA remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property. You can borrow from £25,000 up to £500,000. Rates are variable, depending on status.Secured Loan A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances.Secured Personal LoanA Secured Personal Loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years.Student LoanA student loan is way of borrowing money to help with the cost of your higher education. Applications are made through your Local Education Authority. A student loan is a way of receiving money to help with your living costs when you’re in higher education. You start paying back the loan once you have finished studying, provided your income has reached a certain level.Tenant LoanA tenant loan is an unsecured loan granted to those that do not own their own property. A tenant loan is always unsecured because in most cases, if you are renting your accommodation, you do not have an asset against which you can secure your loan. Tenants sometimes find that some loan companies will only lend money to homeowners. If you are a tenant you need to look for a company, bank or building society willing to give you an unsecured loan.Unsecured Loan An unsecured loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing the money you are borrowing, lenders tend to limit the value of unsecured loans to £25,000.The repayment period will range from anywhere between six months and ten years. Unsecured loans are offered by traditional financial institutions like building societies and banks but also recently by the larger supermarkets chains. An unsecured loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.Unsecured Personal LoanAn Unsecured personal loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments.The amount you are able to borrow can start from as little as £500 and go up to £25,000. The repayment period will range from anywhere between six months and ten years. An Unsecured personal loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.

Social media has become an integral part of our day-to-day lives. Businesses of all size and shapes have started making the most of available mediums. Today we will try to anatomize tips on social media for small businesses. There are a plethora of small businesses eyeing social medium to promote their business/services. However, majorly these small businesses are failing or not being able to make optimum use of social media for their business growth. There are many theories and strategies on how to effectively use social media for established brands, but the topic social media for small businesses is seldom addressed. According to Digital state of eMarketing India 2017 Octane Research:60% small businesses promote their business on social media. 50% focus on SEO and 35% use multichannel marketing funnel.
70% small businesses consider content strategy as their primary marketing activity.
52% business owners are using social media as to efficiently address customer engagement.
More than 20% of business owners said that they are making 50% plus profit using social media.The primary reasons for the low turnout are uncertainty on an application of social media, calculating return on investment and persuade employees/stakeholders to clinch social media. Hence it is important to address the elephant in the room and analyze how beneficial is Social media for small businesses.Social media for small businesses is a great way for emerging businesses to generate lead and build a reputation. If regularly updated, social media can deliver more results as compared to traditional mediums. Social media for small businesses gives brands an edge of control over the content that they want to post. Also, since social media is a two-way dialogue process, it helps businesses to instantly identify what is benefitting them. Social media for small businesses also helps generate Word of Mouth, which is one of the best tools for emerging businesses.Social Media for small businesses | 10 Tips to effectively use Social MediaDefine your Target Audience
The first and foremost important part that small businesses should focus on is to define their target audience. This helps small businesses to device their social media strategy accordingly. The target audience should be defined basis age group, sex, location, users’ online behaviors, their likes, interests, and preferences. For niche products, business owners can even target users based on their birthdays, anniversaries and important milestone. Audience targeting plays a very crucial role in the outcome of the results. For e.g.: a local shop selling footwear should not target users with interest in entertainment. The shop definitely won’t get the desired results.Set achievable goals
Overnight success is a myth. Small businesses must understand this basic fact. Generally, when a new business starts selling on social media, there is palpable excitement is achieving more than set targeted sales. Businesses need to set goals which are upwards and forward. To achieve enormous goals, small businesses start updating social feed with multiple updates in shorter duration. This leads to user’s disinterest in the product/service. The set goals should be in sync with brand’s core capabilities and expertise. For e.g.: if a business is into selling shoes, they shouldn’t set a goal to repair maximum shoes in their area.Choose the right medium
By now everyone knows, social media is for free. Even paid campaigns can be conducted at a relatively low cost as compared to traditional mediums. It is in this scenario, that we often see small businesses jumping the bandwagon and creating profiles on all the available platforms. Creating social profile doesn’t hamper brand image, but aggressively promoting a brand on wrong platforms can lead to brand losing its potential customers. Hence it is advisable for SME’s to first identify the right platform through which they can maximize their business. For e.g.: If a shoe selling brand tries to aggressively sell on LinkedIn, they won’t get a plausible response as compared to promotions on Facebook/Instagram.Promote your core product/services
Since each and every business is riding in the social media wave, it is important for a them to promote their core product/services. Nowadays, we see a lot of businesses promoting their services as well as promoting peripheral products/services, which revolves around their core product/services. Majority of the times, this SME’s doesn’t have capabilities to fulfill a requirement, which can lead to a bad word of mouth for their business on social media platforms. Let us go back to our example; if a shoe seller is trying to aggressively promote socks instead of shoes, it is not going to benefit the business in the long run.Create quality content
Now that we have covered the topics of identifying the target audience, setting achievable goals, choosing the right medium and promoting the right product/services let us now take a look at the type of content a business should promote on their social pages. A business should always focus on creating good quality content rather than not-good quantity content. Even if the business updates their page once in a day as long as it is relevant to their business, advocates about its core products send across a clear message it is considered as a good quality content. Antagonistically, if a business posts multiple updates which aren’t even relevant to the business’s products and services leads to users considering the business as fake/spam. Also, new businesses should try and refrain from promoting other businesses on their social platforms initially.Create a content calendar
Making a small business successful on social platforms is no small task. It takes a lot of efforts for the businesses to keep up their conversion ratio. One such effort is to create a content calendar. Small businesses must anticipate important events and create a content calendar accordingly. Ideally, a content calendar must be planned a month in advance but an even weekly content calendar is highly recommended. This helps businesses to avoid any last minute hassles, strategize much more effectively and it also helps in creating curiosity amongst its loyal fans/customers.Test and re-test
Social media is highly unpredictable. The content a business posts today, might not work for tomorrow. Hence, small businesses must always test their content before publishing it on their pages. Testing content also applies to the platform a small business chooses to promote. Small business owners must always don the consumer’s hat before posting about any product feature, updates, schemes or offers. A consumer’s perspective is the key when testing the content that has to be uploaded.Look for inspiration
Small businesses must always look for inspiration from a competitor who is successful in the same category. Copy pasting competitors idea or content is not the answer. Small businesses must look for the kind of content its competitors are putting up and derive their own strategies subsequently. Inspiring content/stories always make a business to strive to create their own content that is appreciated by one and all. It helps in increasing brand consideration, brand visibility thereby increasing conversions for the business.Calculate ROI
Even a small promotional budget is not justifiable if there is no mechanism to calculate its return on investment. It is more important in case of small businesses. It is very important for a small business to keep a tab on the budgets allocated to any promotions and the subsequent ROI related to it. If a certain promotion is not doing well or the business is not getting desired results, the brand custodian can always look for other platforms to generate quality conversions.Analyze and Re-strategize
There can be umpteen instances where a particular campaign/promotion might not work for a business. That doesn’t mean that the promotion is wrong or the product/service is not good. Doing an analysis of the campaign is as important as setting the objective. This helps the business to formulate their upcoming strategies in more effective ways. At the end of every campaign, brands must note down the learning’s from that campaign and identify if the content/idea was appreciated by their fans or not. This helps businesses to skip the non-performing updates from future communications.Final Thoughts
Social media for small businesses is definitely beneficial and fruitful. If followed correctly, small businesses can benefit tremendously from the power of social media promotions.

Whether you need a consultant, want to be a consultant, or want to expand your consulting practice, understanding the primary motivations for hiring a consultant will determine a good fit.Hire a consultant for their field of expertise.For the business:Define your goals and expectations before you begin your consultant search. The more focused your requirements, the more effective your selection of a consultant will be.
For the consultant:What do you really know? What are your demonstrated strengths? Define your area of expertise narrowly. Work towards developing a result-based portfolio.Hire a consultant to solve problems.For the business:If something needs tweaking in your company, allow your well-qualified consultant to do their job. You may think your problem in staff retention is on the manufacturing floor, when it may lie in faulty HR practices. Offer your consultants your thoughts, but be open to their observations. Their overview and fresh perspective may give your company new clarity.
For the consultant:Tap into your intuitive side. Examine each situation as it stands. Textbook rules are not always the only way to approach a challenge.Hire a consultant to supplement existing staff.For the business:Do a comparison of total employment cost. A full time employee, with benefits and other perqs added, will almost certainly cost more than a consultant. In addition, a consultant may complete work faster and more efficiently than house staff.
For the consultant:When creating your proposal, be realistic in your time estimates and fees. Factor in your own overhead, travel, benefits and taxes.Hire a consultant to implement changes.For the business:The well-positioned consultant as outsider can be more effective in gaining consensus among employees. Without immersion in daily operations, change proposed by consultants may be accepted more readily by employees.
To the consultants:To direct change in a company, be certain you understand the psychology of change. Change can only be effectively created through a perception of benefits to the staff. Prepare for resistance, and be ready to change objections to positives.Hire a consultant to train.For the business:
Consultants are available to teach almost any skill. Be certain their experience comes from practice, not theory. Hands on training shouldn’t come from book learning alone.
For the consultant:Have practical experience to offer.Hire a consultant to be the “fall guy”.For the business:Keeping company morale high may require an outside heavy to make cuts or unpopular adjustments to your company. Fully explore options with your consultant, and inform them of your plans to downsize, consolidate or restructure.
For the consultant:You get paid to do something no one else wants to do. Be prepared and accepting of your responsibility if you accept this kind of assignment.Hire a consultant to start your business.For the business:A start-up consultant can assist you in all phases of start-up from initial funding and business plans to growth planning. Determine your own weaknesses and work with a consultant that has the skill set you lack.
For the consultant:From online businesses to Fortune 100 companies, new ventures need your specialized talents. Review your own skill set for tools which would benefit a start-up.Hire a consultant for their contacts.For the business:
A consultant may be able to provide you with elusive introductions for fund raising, entertaining, community support or lobbying. Even if this is not your primary reason for hiring a consultant, explore how their contacts may benefit your company.
For the consultant:Your personal networking can be a bonus to your clients. Offer appropriate contacts to your clients and potential clients. Expanding your sphere of contacts will not only benefit your business, but clients will appreciate your introductions.Whether your company is considering a consultant, or you are a consultant, understanding the key reasons for contracting help can make your efforts more successful.

If you’ve ever searched for a good property manager before, then you know how difficult it can be to find a good one for your rental property. There are several property managers out there, probably more than what you really need to bring your property into the market.With so many choices available, you may find it difficult to choose one for your unit. But don’t worry – if you ask the right questions while shopping around for property managers, you’ll get a better idea of who would make the best fit for your property. Ask them these questions when discussing your property to see if they’re the right property manager for you:1. What type of properties have you managed?Experience counts for a lot in property management, and it can separate the good ones from the ones you should steer away from. Experience in this field, however, isn’t just about the number of years worked in the field; it’s also about what type of properties they’ve managed. Depending on what type of property you have, you can either go with someone who specialises in managing properties like yours or someone who has more varied experience managing different types of properties.2. How do you screen potential tenants?Screening potential tenants is one of the most important steps to property management, so the way they do this often reflects their level of service to your property. Ask them how they’ll match tenants to your property and what their process is like for finding tenants. This will give you a better idea of how they operate and what lengths they’ll go to find the right match for your property.3. How do you handle late payments by tenants?Finding tenants is just one phase of property management; the longer phase involves managing the tenancy itself. Asking them this question will show you what their management style is like and how they’ll deal with critical rental issues like these. See if their process aligns with what you expect them to do and how you want your property to be managed.4. How do you respond to complaints?Similar to the previous question, this question allows you to gauge how well a potential property manager will handle the landlord-tenant relationship. Remember that a property manager will act as the mediator between you and your tenant, so it’s important that you’re comfortable with their process for dealing with any complaints or issues.5. How often do you do inspections?Routine inspections are important to any tenancy agreement, and the number of times it’s done per year will help give you better peace of mind as the landlord or owner. This question will also show you how well the property manager will look after your property even after the start of the tenancy.6. What’s the right rental price for my property?If you’ve done your research beforehand, this question will let you assess how well a potential property manager knows the market and what they can offer you. It also allows you to get a better idea of what your property is worth in the current market. Compare their answer with different property managers to see what they offer and to better understand where your property stands in the market.7. What are the things I can do to improve my listing?Asking them this question won’t just reveal their expertise in property management, but it’ll also help you put your property in the best position in the market. Note their suggestions, assess how relevant they are, and decide whether or not they can get your property where you want it to be.8. What are the full costs and fees for managing my property?Some have small sign-up fees but a variety of hidden fees once you sign on and let them manage your property. Avoid getting surprised by such fees, and ask them to indicate all management and service fees included in their service. The more complicated their fee structure is, the bigger the headache (and expense) it will likely be.9. What can you do that others can’t?This is where prospective property managers will try to sell you on what they offer and how well they set themselves apart from the competition. It’s also the part where you assess the intangibles in any working relationship, giving you a better idea of how well they meet your standards. Listen well, take notes, and assess if they provide what you’re looking for.With so many choices available today, finding the right property management company can be difficult. But by asking the right questions and doing your research beforehand, you’ll find that all the hard work you put into finding the right manager will be worth it. Once you find the right one, your property (and wallet) will surely thank you.

Each of us has been faced with the problem of searching for information more than once. Irregardless of the data source we are using (Internet, file system on our hard drive, data base or a global information system of a big company) the problems can be multiple and include the physical volume of the data base searched, the information being unstructured, different file types and also the complexity of accurately wording the search query. We have already reached the stage when the amount of data on one single PC is comparable to the amount of text data stored in a proper library. And as to the unstructured data flows, in future they are only going to increase, and at a very rapid tempo. If for an average user this might be just a minor misfortune, for a big company absence of control over information can mean significant problems. So the necessity to create search systems and technologies simplifying and accelerating access to the necessary information, originated long ago. Such systems are numerous and moreover not every one of them is based on a unique technology. And the task of choosing the right one depends directly on the specific tasks to be solved in the future. While the demand for the perfect data searching and processing tools is steadily growing let’s consider the state of affairs with the supply side.Not going deeply into the various peculiarities of the technology, all the searching programs and systems can be divided into three groups. These are: global Internet systems, turnkey business solutions (corporate data searching and processing technologies) and simple phrasal or file search on a local computer. Different directions presumably mean different solutions.Local searchEverything is clear about search on a local PC. It’s not remarkable for any particular functionality features accept for the choice of file type (media, text etc.) and the search destination. Just enter the name of the searched file (or part of text, for example in the Word format) and that’s it. The speed and result depend fully on the text entered into the query line. There is zero intellectuality in this: simply looking through the available files to define their relevance. This is in its sense explicable: what’s the use of creating a sophisticated system for such uncomplicated needs.Global search technologiesMatters stand totally different with the search systems operating in the global network. One can’t rely simply on looking through the available data. Huge volume (Yandex for instance can boast the indexing capacity of more than 11 terabyte of data) of the global chaos of unstructured information will make the simple search not only ineffective but also long and labor-consuming. That’s why lately the focus has shifted towards optimizing and improving quality characteristics of search. But the scheme is still very simple (except for the secret innovations of every separate system) – the phrasal search through the indexed data base with proper consideration for morphology and synonyms. Undoubtedly, such an approach works but doesn’t solve the problem completely. Reading dozens of various articles dedicated to improving search with the help of Google or Yandex, one can drive at the conclusion that without knowing the hidden opportunities of these systems finding a relevant document by the query is a matter of more than a minute, and sometimes more than an hour. The problem is that such a realization of search is very dependent on the query word or phrase, entered by the user. The more indistinct the query the worse is the search. This has become an axiom, or dogma, whichever you prefer.Of course, intelligently using the key functions of the search systems and properly defining the phrase by which the documents and sites are searched, it is possible to get acceptable results. But this would be the result of painstaking mental work and time wasted on looking through irrelevant information with a hope to at least find some clues on how to upgrade the search query. In general, the scheme is the following: enter the phrase, look through several results, making sure that the query was not the right one, enter a new phrase and the stages are repeated till the relevancy of results achieves the highest possible level. But even in that case the chances to find the right document are still few. No average user will voluntary go for the sophistication of “advanced search” (although it is equipped with a number of very useful functions such as the choice of language, file format etc.). The best would be to simply insert the word or phrase and get a ready answer, without particular concern for the means of getting it. Let the horse think – it has a big head. Maybe this is not exactly up to the point, but one of the Google search functions is called “I am feeling lucky!” characterizes very well the existent searching technologies. Nevertheless, the technology works, not ideally and not always justifying the hopes, but if you allow for the complexity of searching through the chaos of Internet data volume, it could be acceptable.Corporate systemsThe third on the list are the turnkey solutions based on the searching technologies. They are meant for serious companies and corporations, possessing really large data bases and staffed with all sorts of information systems and documents. In principle, the technologies themselves can also be used for home needs. For example, a programmer working remotely from the office will make good use of the search to access randomly located on his hard drive program source codes. But these are particulars. The main application of the technology is still solving the problem of quickly and accurately searching through large data volumes and working with various information sources. Such systems usually operate by a very simple scheme (although there are undoubtedly numerous unique methods of indexing and processing queries underneath the surface): phrasal search, with proper consideration for all the stem forms, synonyms etc. which once again leads us to the problem of human resource. When using such technology the user should first word the query phrases which are going to be the search criteria and presumably met in the necessary documents to be retrieved. But there is no guarantee that the user will be able to independently choose or remember the correct phrase and furthermore, that the search by this phrase will be satisfactory.One more key moment is the speed of processing a query. Of course, when using the whole document instead of a couple of words, the accuracy of search increases manifold. But up to date, such an opportunity has not been used because of the high capacity drain of such a process. The point is that search by words or phrases will not provide us with a highly relevant similarity of results. And the search by phrase equal in its length the whole document consumes much time and computer resources. Here is an example: while processing the query by one word there is no considerable difference in speed: whether it’s 0,1 or 0,001 second is not of crucial importance to the user. But when you take an average size document which contains about 2000 unique words, then the search with consideration for morphology (stem forms) and thesaurus (synonyms), as well as generating a relevant list of results in case of search by key words will take several dozens of minutes (which is unacceptable for a user).The interim summaryAs we can see, currently existing systems and search technologies, although properly functioning, don’t solve the problem of search completely. Where speed is acceptable the relevancy leaves more to be desired. If the search is accurate and adequate, it consumes lots of time and resources. It is of course possible to solve the problem by a very obvious manner – by increasing the computer capacity. But equipping the office with dozens of ultra-fast computers which will continuously process phrasal queries consisting of thousands of unique words, struggling through gigabytes of incoming correspondence, technical literature, final reports and other information is more than irrational and disadvantageous. There is a better way.The unique similar content searchAt present many companies are intensively working on developing full text search. The calculation speeds allow creating technologies that enable queries in different exponents and wide array of supplementary conditions. The experience in creating phrasal search provides these companies with an expertise to further develop and perfect the search technology. In particular, one of the most popular searches is the Google, and namely one of its functions called the “similar pages”. Using this function enables the user to view the pages of maximum similarity in their content to the sample one. Functioning in principle, this function does not yet allow getting relevant results – they are mostly vague and of low relevancy and furthermore, sometimes utilizing this function shows complete absence of similar pages as a result. Most probably, this is the result of the chaotic and unstructured nature of information in the Internet. But once the precedent has been created, the advent of the perfect search without a hitch is just a matter of time.What concerns the corporate data processing and knowledge retrieval systems, here the matters stand much worse. The functioning (not existing on paper) technologies are very few. And no giant or the so called search technology guru has so far succeeded in creating a real similar content search. Maybe, the reason is that it’s not desperately needed, maybe – too hard to implement. But there is a functioning one though.SoftInform Search Technology, developed by SoftInform, is the technology of searching for documents similar in their content to the sample. It enables fast and accurate search for documents of similar content in any volume of data. The technology is based on the mathematical model of analyzing the document structure and selecting the words, word combinations and text arrays, which results in forming a list of documents of maximum similarity the sample text abstract with the relevancy percent defined. In contrast to the standard phrasal search by the similar content search there is no need to determine the key words beforehand – the search is conducted through the whole document. The technology works with several sources of information that can be stored both in text files of txt, doc, rtf, pdf, htm, html formats, and the information systems of the most popular data bases (Access, MS SQL, Oracle, as well as any SQL-supporting data bases). It also additionally supports the synonyms and important words functions that enable to carry out a more specific search.The similar search technology enables to significantly cut time wasted on searching and reviewing the same or very similar documents, diminish the processing time at the stage of entering data into the archive by avoiding the duplicate documents and forming sets of data by a certain subject. Another advantage of the SoftInform technology is that it’s not so sensitive to the computer capacity and allows processing data at a very high speed even on ordinary office computers.This technology is not just a theoretic development. It has been tested and successfully implemented in a project of giving legal advice via phone, where the speed of information retrieval is of crucial importance. And it will undoubtedly be more than useful in any knowledge base, analytical service and support department of any large firm. Universality and effectiveness of the SoftInform Search Technology allows solving a wide spectrum of problems, arising while processing information. These include the fuzziness of information (at the document entering stage it is possible to immediately define whether such a document already belongs to the data base or not) and the similarity analysis of the documents which are already entered into the data base, and the search for semantically similar documents which saves time spent on selecting the appropriate key words and viewing the irrelevant documents.PerspectivesBesides its primary assignment (fast and high quality search for information in huge volume such as texts, archives, data bases) an Internet direction could also be defined. For example, it is possible to work out an expert system to process incoming correspondence and news which will become an important tool for analysts from different companies. Mainly, this will be possible due to the unique similar content search technology, absent from any of the existent systems so far except for the SearchInform. The problem of spamming search engines with the so called doorways (hidden pages with key words redirecting to the site’s main pages and used to increase the page rating with the search engines) and the e-mail spam problem (a more intellectual analysis would ensure higher level of security) would also be solved with the help of this technology. But the most interesting perspective of the SoftInform Search technology is creating a new Internet search engine, the main competitive advantage of which would be ability to search not just by key words, but also for similar web pages, which will add to the flexibility of search making it more comfortable and efficient.To draw a conclusion, it could be stated with confidence that the future belongs to the full text search technologies, both in the Internet and the corporate search systems. Unlimited development potential, adequacy of the results and processing speed of any size of query make this technology much more comfortable and in high demand. SoftInform Search technology might not be the pioneer, but it’s a functioning, stable and unique one with no existent analogues (which can be proved by the active Eurasian patent). To my mind, even with the help of the “similar search” it will be difficult to find a similar technology.

Knowing how to effectively communicate is essential for any person to become successful in sales. The purpose of communication is to get your message across to your prospects in the best way possible. Good communication takes skill, since messages can often become misinterpreted by one or more of the parties involved. When this happens it causes unnecessary confusion and moves you further away from connecting to your prospect.Your communication is successful only when both the sender and the receiver perceive it in the same way. By successfully getting your message across, you convey your thoughts and ideas effectively. When not successful, the thoughts and ideas that you convey do not necessarily reflect your own, causing a communication breakdown. This breakdown can cause you to lose trust and belief in your prospect.To communicate effectively, you must clearly understand what your core message is, and how your prospect will perceive your message.Communication breakdown can pop up at every stage of the sale, causing you to lose out on many sales opportunities. Therefore, to become a more effective communicator and get your point across without misunderstanding and confusion, your goal should be to lessen the frequency of communication breakdown at each stage of the process with clear, concise, accurate, well-planned communication.Stage #1: To establish yourself as a master sales communicator you must first establish credibility with your prospect. This involves displaying knowledge of the subject, your prospect and the context in which your message is delivered.Stage #2: Consider the message itself. Written, oral and nonverbal communications all are affected by your tone, your individual communication style of communication, what you leave in and what you leave out of the conversation. How you communicate both verbally and in writing is very important to how your prospect perceives your point of view. What you want your message to do is to motivate and inspire your prospects into taking action and buying from you.Stage #3: Consider how best to communicate with your prospect. You may choose to communicate verbally in person, by telephone, email, letters, greeting cards, etc.Stage #4: Keep in mind the actions or reactions you hope your message prompts in your prospect.
Keep in mind too, that your prospect also enters into the conversation with his or her own communication style. Their communication will include new ideas, feelings and emotions that will undoubtedly influence how they understand and relate to your message, and also how they respond. To be a master sales communicator, you must consider these possible responses before delivering your message. This will allow you to be prepared and ready to respond with the appropriate communication skills.Stage #5: Your prospect will provide you with personal feedback, verbal and nonverbal reactions to your communicated message. To deliver your message effectively, you must commit to breaking down the barriers that exist in each of these stages of the communication process. If your message is too lengthy, disorganized, or contains incorrect information about your products or services, you can expect to be misunderstood. Also, the use of ineffective body language that confuses the message or shows your lack of confidence will also allow you to disconnect with your prospect.Don’t offer too much information too soon. When in doubt, less is oftentimes more. Remember to listen more and communicate less verbally when you begin a conversation with a new prospect. Be respectful of your prospect’s time, and keep their interests and concerns in the forefront.Once you understand how these five stages work and start to implement them into your sale’s message, you will soon discover your communication skills improving.Mastering Your Persuasion PowerYou persuade by mastering the art and the skill of effective communication. Your ability to communicate effectively regardless of the message will help you to exceed your sales goals time and time again.Communication and persuasion are the same from the point that you cannot communicate with another person without, at the same time, influencing that person. Rapport is a natural function of communication that is brought about by honoring the person with whom you are communicating. Your goal should be to find out what your prospect wants and/or needs. Then discover how you can help your prospect reach their goal and/or solve their problem.When selling a product, targeting people who are already interested in that product makes sense. There is no resistance, only feedback. Communicating effectively is not about being in control, but rather about being able to recognize what you are, in fact, eliciting with your communication, and having the flexibility to adjust accordingly.A master sales communicator is someone who chooses to influence his or her prospects ethical and respectful communication, versus an ineffective sales communicator who tries to influence his or her prospect out of manipulation and fear.When you set out to get an outcome that is strictly a win/lose model, or if you choose to abandon any future possible consequences for your communication, you are opening the door for eventual failure.
By accepting to master the art of effective sales communication, you are doing more to build long-lasting customer relations. You will also maximize your opportunity to offer clear, effective, meaningful communication that is based on a positive outcome. You will soon discover how your own master communication skills will powerfully and impact-fully become unforgettable in your customer’s minds.Why focus on these skills today?Because if you don’t someone else will. And your financial future will quickly be affected.The process of interpersonal communication is monumental. Yet, it is simply one of the most natural acts on this planet. If you build a useful model, then you will not have to worry about whether you are doing it right … because you will see it pay off quickly with increased sales.Begin using your communication as a means of increasing your sales, and pay close attention to the response you are getting. Are you achieving and exceeding your goals?Check the response to your outcome, or at least to where you are in getting that outcome. Then, adjust your output. Test and test again until you have it mastered.If you take what you already know how to do, and you reorganize that information while putting together your sale’s system, you will find yourself using them automatically in the context they are then designed to be used in, and in the order they need to be used. You will then become a powerful and effective persuader.The most effective business skills I have ever developed have been in the area of communication. It really doesn’t matter what you sell or what industry in which you work. If you cannot impact or affect the people you want, or need to affect, the level of success you will be able to generate will also be affected.How to Effectively Influence ProspectsYou can influence another person’s reactions or choices, but your prospect has the choice of whether or not to respond to you and how to respond to you. Refusing to control yourself and trying to control others is a waste of time.When you try to control what you cannot, you lose control of yourself. Your sense of power, part of your self-esteem, depends upon your satisfaction with your own sales performance. And if you are trying to control someone else, you begin to think of what they do as part of your own performance. Trying to control someone during a sales presentation is like stepping outside of boundaries or borders between countries. There are also boundaries and borders between people. To communicate effectively, these boundaries should not be crossed.To achieve the ultimate satisfaction with your sales performance, it depends upon divorcing the value of your action from the results. You can only do what you can do — there are other factors outside yourself and your control that influence the outcome, including the behavior of other people. This is part of taking personal responsibility for your actions. You are completely responsible for what you do, think or feel, and for whom you are. But you are not responsible for the outside factors of your prospects.Often type A’s and/or aggressive salespeople are more likely to try to control the behavior of their prospects. Often when losing a sale they can become frustrated, angry and hostile from trying to control the behavior of others or trying to control other things that are not within their power. Since I fit into this category, I personally have had to learn this the hard way.
Control simply means choice. Self-control is of emotions, thoughts, body and behavior. When you control your emotions rather than eliminate your emotions in selling, you choose more positive and effective responses.Emotions have a direct and immediate impact upon your communication. You control your emotions through your thoughts and behaviors, which in turn, affects how your message comes across to others.
By controlling your thoughts you are able to choose when to think, what to think about, how to think about it and to not think about something.Controlling your communication behavior means being able to choose everything you say within the limitations of time, place and conditions.The salesperson that realizes that they are the only one in control of how they act upon their own choices becomes very powerful. Self-control, power and influence all affect how you communicate. The salesperson that understands this is most influential upon others. The self-controlled salesperson is admired and sought-after as a leader.Although an influential salesperson can connect with more prospects, they can also intimidate people who are insecure. Continue to discover the difference between control and influence, and you have the keys to mastering the art of communication. As you do, you will improve the range and intensity of your influence and the probability of boosting your sales confidence and exceeding your goals!

In most countries, purchasing an investment property continues to be one of the most popular ways to invest. The goal of this investment should be to provide you financial freedom and enhance wealth. The problem is many believe that once they get into the venture, it will be a guaranteed, easy success.It is vital you learn how to effectively manage your investment as this will determine whether or not the investment can help you achieve your financial goals. Below are a few tips when buying an investment property:1. Choosing the ideal property at the right pricePurchasing an investment property at the right price is highly critical. It is all about the capital growth when it comes to investing in a property so make sure to choose a property that has a high potential of increasing in value.Always do research. Find out as much as you can about what is selling in a certain area. The more you learn, the more you become skilled in determining the property that is worth investing on. In other words, you will know a bargain when you see it.If you want to acquire valuable data on various locations and properties, get information from lenders and insurers as they have data that can help you avoid selecting the wrong investment property.2. Do Your ComputationsYou should consider property investment as a means of long term type of investment. As this is the case, you need to ensure that you have the budget to maintain your mortgage repayments over the long-term. It is not right to sell your investment property when you are not good and ready since if you are to encounter any financial problems then you might be forced to dispose of the property at the wrong time.It is less expensive to keep an investment property and service the loan once you already own the property. This is because you can get rental payments as well as tax deductions on several of the expenses connected with property ownership. Things will become easier along the way especially that as rent tend to increase over time so will your income.Learn the taxes involved in property investment and include this in your budget. Seek advice from your accountant and learn about stamp duty, capital gains tax and land tax. While interest rates can change over time, as the owner, you can always increase the rental fee to cope with the expenses.3. Get a Reliable Property ManagerUsually, a property manager is a licensed real estate agent whose job is to make sure that things are in order for you and your renter. Your agent can provide you advice, assist you in managing your tenants and help you get the best value for your property.Your agent should be able to teach you about property law as well as the rights and responsibilities of both you and your tenants. The agent can also handle maintenance problems. Except for other emergency repairs, the maintenance costs should get your approval first in advance. Your agent can also assist in finding the right tenants, do background checks as well as make sure tenants pay rent on time.4. Understand the market and the dynamics where you are buying.Search for other properties available in your current area and talk with as many real estate agents and locals as you can. Only get advice from professionals you can trust and make sure to do the leg work. You can use the information in this site to view demographics, average rents, property values, and suburb reports.It will be to your advantage to know about the changes that are planned or are happening in your suburb. For example, knowing about the planned by-pass may quickly enhance the value of your property as this means traffic in the area may reduce.5. Pick the right type of mortgage to suit you.There are a lot of financing options for an investment property. Seek advice in this area to find the option that will be in favour to your financial status.While the interest on an investment property loan is usually deductible, some borrowing costs are not easily deductible. Appropriately structuring your loan is vital and it is best that you seek help from a trustworthy financial advisor about this.When choosing between a fixed rate loan and a variable rate loan, go with the loan that is in favour with your circumstance. Carefully consider both options before you decide. For example, as a variable rate loan can become cheaper overtime, choosing a fixed rate loan at the appropriate time can really be beneficial.Rather than principal and interest, a majority of the investment loans should be created as ‘interest only’ as it can enhance the effectiveness of the tax of your investment especially for a home loan. An ‘interest only’ loan is better compared to principal and interest loan when it comes to investment property since it causes your negative gearing benefit to decrease as you pay down your loan.6. Examine the age and condition of the property and facilities.The condition of your property and facilities can highly affect the profit of your investment. It is vital, that before making a purchase, you hire a professional property inspector to perform comprehensive inspection of the property in order to detect potential issues earlier.7. Make the property attractive to tenantsChoose neutral tones and make sure that your property’s kitchen and bathroom is in good condition. An attractive property can attract better quality tenants. When it comes to purchasing a property, do not only consider what you think is attractive to you. What is attractive to you may not be attractive to some. Remember, that the investment property will be the home of your tenant and not your own.8. Take a long-term view and manage your risksThink of property investment as a long term investment and understand that property prices do not rise right away. The longer you can commit to a property, the better. When you build up equity then you can decide to purchase your second investment property. Avoid being greedy and balance your goal of financial stability and in enjoying your current life.